- Lower service fees than American Home Shield
- First month free
- Extensive network of technicians, meaning a fast repair turnaround
American Home Shield and Choice Home Warranty are two of the most well-known and consumer-friendly home warranty companies in the industry.
A home warranty, also known as home appliance insurance or home repair insurance, is different from an insurance policy as it’s a service contract that covers major systems and appliances that need to be repaired and replaced. A home warranty should include the option for full coverage, multiple plan tiers to choose from, and clear contract language.
This article breaks down American Home Shield vs. Choice Home Warranty and the differences between coverage, cost, how the claims process works, and important policy features.
All states except Alaska
60 days on parts and labor
A 24/7 online system is open for claims.
"American Home Shield provides excellent service...I highly recommend it to any homeowner."
All states except California, Oklahoma, and Washington
30 days, however, if you currently have a home warranty through a different home warranty company, CHW will drop the waiting period and your contract will begin immediately
30 days on labor
90 days on parts
A 24/7 call center is open for claims.
“As far as home warranties go, this one is fairly good. They don’t lie about anything, at least. They will probably deny many of your claims but they will be honest about why they are doing it and it’s all in the contract you signed so there you go.”
When comparing the coverage options of AHS vs. Choice Home Warranty, both companies offer comprehensive plans that can accommodate most individual’s repair and replacement needs.
American Home Shield
As one of the largest home warranty companies, American Home Shield offers affordable plans that can accommodate different customers’ needs. The four home warranty plan options include:
Note: Coverage is available for additional home systems and appliances such as a pool and/or spa, septic pump, and well pump.
American Home Shield takes care of my problems immediately. When it is an emergency they handle it the same day. The people they send out are professional, on time, always explain what my problem is, how they will solve it and how to keep it from happening again.”
Choice Home Warranty
Also one of the largest home warranty companies in the U.S., Choice Home Warranty offers two different plans to accommodate different home repair and replacement needs. The two home warranty plan options include:
Note: Additional coverage is available for a pool/spa, well pump, sump pump, septic system, septic tank pumping, second fridge, and stand-alone freezer.
I purchased the Total plan plus additional coverage for my pool. It wasn’t cheap, I’ll tell you that, but I felt (and I still do) what you buy is peace of mind. Anyways, I had one minor plumbing issue. The drain in the bathtub was clogged or something. When the technician inspected the piping, he pulled out a huge chunk of something resembling the abrasive side of a dish sponge. I have no idea how that got there. He said it was our fault it was there, you’re not supposed to allow objects like that into the pipes. I was afraid he’d say our claim was no good, but he didn’t. He fixed it, took the service fee money and left.”
When comparing the cost of AHS vs. Choice Home Warranty, both companies offer similar services, however Choice Home Warranty’s service call fees are less expensive.
American Home Shield—Service fees will depend on the coverage plan selected. There are three service fee rates: $75, $100, and $125. These fees are determined at the same time the coverage plan is selected during sign-up.
Choice Home Warranty—Choice Home Warranty has a standard $60 service call fee. This is $60 per claim, regardless of the actual cost to repair or replace your broken system or appliance. It’s payable directly to the technicians.
The process to submit a claim to AHS and Choice Home Warranty is similar. Both companies have convenient customer service access and quick technician turnaround times.
American Home Shield—Contract holders can request service online 24 hours a day, seven days a week. A technician is then assigned to diagnose the problem and offer a solution. The technician typically reaches the customer within 24 hours from the time the claim is made.
Choice Home Warranty—Customers can log in to their online CHW portal to make a claim. A technician will be sent to the customer’s residence as soon as possible. Customers can also call if more immediate assistance is required.
AHS and Choice Home warranty each have minor limitations and exclusions, however it’s the responsibility of the consumer to thoroughly read the terms and conditions prior to signing.
American Home Shield
American Home Shield’s home warranty terms and conditions are not public—only contract holders can access the agreement. This makes it important to fully understand the terms and conditions before opting in to the policy.
There is a sample contract available on the AHS FAQ page that outlines everything that could be covered under a policy, however this doesn’t guarantee it will be. It’s also important to know that even though an appliance or system is included, it doesn’t always mean your claim will be accepted.
Choice Home Warranty
Like American Home Shield, it’s important to review your CHW plan’s terms and conditions to ensure that you’re not surprised by any coverage gaps or extra charges. A home warranty with Choice Home Warranty starts 30 days after the contract is signed. This agreement is valid for 365 days. If the technician determines the appliance can’t be repaired, Choice Home Warranty will offer the contract holder a cash payment for the replacement cost.
While both home warranty companies have their advantages and disadvantages, Choice Home Warranty offers essentially the same services with lower service fees than American Home Shield.
Choice Home Warranty is best for:
What we don’t like about CHW:
American Home Shield is best for:
What we don’t like about AHS:
We pick Choice Home Warranty because of the better cost value and extensive network of service technicians at the customer’s disposal.
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